Nicholas is Vice President of Mortgage Lending at Guaranteed Rate and brings seventeen years of industry experience to his clients. During his career as a mortgage banker and broker, Nicholas has tended to the needs of a diverse clientele throughout California. Whether looking to refinance an existing loan or to purchase a new property, Nicholas and his team offer highly competitive pricing along with the full range of mortgage products and a solution-oriented approach to doing business. Our goal is to provide the best possible mortgage experience and to insure a smooth and streamlined process to save you time and money. Whether you are a first-time buyer or interested in a refinance or new purchase, we are here to help. Loan options include low down payment programs as well as the full range of conventional, FHA, VA, and jumbo loan products. Self-employed borrowers are also supported with a wide array of bank statement and asset depletion programs. As purchase specialists, we also offer one of the fastest and easiest application processes in the business. Simply click on my “Apply Now” link to initiate your pre-approval and take the first step to getting into your new home. In most cases, 10 to 20 minutes are all you need to secure mortgage pre-approval. Why wait? Now is the perfect time and we look forward to serving as your dedicated team!
VP of Mortgage Lending
What people are saying
"Working with Nicholas and Chanelle has been an absolute pleasure. I have an unconventional job/income and Guaranteed rate was able to give me the loan I needed to buy my first home!"
Kathryn G. - San Francisco CA | May 2022
"Ease & support through the process"
Louise S. - Sausalito CA | May 2022
"Nicholas Ballard and his team were incredible! Speedy service and great communication."
Tonya S. - Belmont CA | Mar 2022
"On a scale of 10, we give Chanelle & Nicholas 100. They have patiently gone above & beyond for YEARS to make our dream home finally come true after multiple lost offers in an extremely competitive market. Their customer service was consistently top notch & made us feel as though we were being treated as a close friend or family member with the attention to detail they provided. Chanelle kept the entire deal on schedule ahead of time & Nicholas always reached out with measured reassurance and kindness. Honestly, they even helped answer questions & guided us along the process in areas that were outside of their expertise. We genuinely thank them both profusely for being outstanding at their job every step of the way."
Kyle L. - Pescadero CA | Mar 2022
"Have to leave room for growth"
Letty H. - Vallejo CA | Mar 2022